Medical Bill of 11000

[sudha]

I am a F1 student doing masters. I went to emergency in an ambulance to the hospital in my town. I was in a critical conditions and I gave them my insurance card provided to me by my university. They did some test and gave me some medicines. After spending 3 hours I came back. Now after 3 months I got bill of $11000 and it says insurance pending is zero. Please help me what should I do.

1. How should I resolve this bill?
2. Can I get away without paying anything? Because I dont have money to pay.
3. Will it affect my credit history throughout my career.
4. Would it be a problem if I visit India or while entering back to US from India?


Thank you. Please help me and suggest me.

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[DesiOPT-FaceBook-Admin]

Your message was posted as anonymous on Facebook wall- (July 8th)

[DesiOPT-FaceBook-Fan]

3 if u dont pay yes for 7 yrs it will effect
4 nope it wont be a problem for immigration ..

[DesiOPT-FaceBook-Fan]

You should look into hospital's charity program. They will ask for your tax documents as a proof of your income. Some hospital waive the bill if your pay is under certain amount. Since you are a student I am certain your annual income is lower than that. Go to hospital's billing in person as soon as you can. Hope that helps.

[DesiOPT-FaceBook-Fan]

Check with your insurance and ask about coverage first, call them and discuss in detail. Usually insurances cover majority of the costs. You can also ask the hospital to route this to your insurance again and see what they come back with. If your insurance really didn't cover your bills then unfortunately you have to pay this amount. If you don't pay this can go into collections after a certain number of months, once that happens they will send you a notice, if you don't pay then, then it hurts your credit.

[DesiOPT-FaceBook-Fan]

Actually one of my fren wrote a letter to the hospital after contactin a lawyer that- he was from a farmers background n his family is striving hard to pay his tuition. They brought his bill of $6000 to $1000. May be u can try tht too

[DesiOPT-FaceBook-Fan]

u need to check with ur insurance first.. coz i know someone who was taken into emergency and insurance covered a lot of bills still he had to pay around 1000.. so i think u should check with your insurance first..

[DesiOPT-FaceBook-Fan]

3. It will definitely shows up on ur credit history n lowers ur score. It happened to my friend, even though u don't share ur SSN it will appear on ur history.

[DesiOPT-FaceBook-Fan]

I don't agree that insurance wont pay it. Most of the university provide comparatively better policy. Usually, if the bill us over $5000, you shouldn't have to pay anything but your deductible, which should be under 500. Mine is $50. And your university system should have assigned an insurance support staff who is not from the insurance and will advocate in your favor. Find out who it is and mention what happened. You probably have a co-pay and hence you must pay only portion of the total. But $11000 is a huge money, so insurance should cover it. If you are under united healthcare, this is how it works. Talk to your advisor!!

[DesiOPT-FaceBook-Fan]

check with insurance company first - they should pay. it was an emergency and as a student you are paying for ur medical premium. Tha'ts what its for. You might have to pay a co-pay 20% which is much better than paying 11 grands. If you are planning to stay in US, try to get it resolved the legal way else it will be impacting your credit going on.

[DesiOPT-FaceBook-Fan]

If nothing else works, You can enroll in monthly installment plan with hospital with as low as $20-25 per month.

[tanmaykhole208]

If it is an emergency, most of the amount is paid by insurance. Check with your insurance provider regarding your plan in detail.
I had a similar situation. The hospital staff had messed up my insurance card details resulting in hefty $5000 bill. I had to talk with the hospital staff as well as my insurance provider everyday for almost a month. Finally they resolved the issue and I didn't had to pay a single cent. Luckily I did not gave them my SSN, hence my credit was not affected.

I hope it works out for you too. Good luck.